Klyrify

About Klyrify

Klyrify is a free collection of calculators and educational resources for saving, investing, debt, net worth, FIRE, retirement, and a clearer view of everyday financial decisions.

Why We Built This

Most financial calculators online are outdated, slow, or buried under layers of ads and paywalls. The tools that do exist often require an email address, a subscription, or a phone call with a "financial advisor" who is really a salesperson.

We built Klyrify because we believe the math of financial independence should be accessible to everyone. Compound interest, FIRE numbers, Coast FIRE thresholds, safe withdrawal rates — these are not complicated concepts. They just need clear, fast, honest tools.

What We Offer

Every calculator on Klyrify is free and requires no email, account, or credit card. Results update as you type. Where a scenario link is available, its financial values remain in the URL so you can choose whether to copy it.

Our Methodology and Sources

Klyrify uses documented formulas, established financial concepts, and public datasets where relevant. Sources and years are identified when a page relies on an external dataset. Rules of thumb and editorial planning ranges are labeled separately from observed data.

The 4% withdrawal rate comes from the Trinity Study (Cooley, Hubbard, and Walz, 1998, updated 2011), which analyzed portfolio survival rates over 30-year retirement periods using historical US market data from 1926 onwards. We use 3–3.5% for retirements longer than 35 years, consistent with more recent research by Pfau (2012) and Kitces on safe withdrawal rates for early retirees.

7% real returns is the approximate historical average annual real return of a diversified US equity portfolio (S&P 500 inflation-adjusted), based on data from Robert Shiller's dataset and Vanguard's long-term return analysis. We use this as a central estimate, not a guarantee.

3% inflation is the approximate US historical average, based on Bureau of Labor Statistics CPI data from 1926 to present. The 20-year average (2003–2023) is approximately 2.6%; we round to 3% as a conservative planning assumption.

Net worth benchmarks use data from the Federal Reserve's Survey of Consumer Finances (SCF), published every three years. The most recent dataset used is the 2022 SCF, released October 2023.

We distinguish clearly between established research and commonly used rules of thumb. We do not make predictions about future market returns. When assumptions change our outputs materially, we say so. See our Methodology page for how individual calculators are built, including where compounding conventions differ between tools.

Editorial Standards

Klyrify is published by its independent operator, based in Romania in the European Union. We do not invent named experts or credentials. The operator maintains the calculators and content and can be reached through the Contact page. Our working standards are:

  • Calculator formulas are documented and checked with deterministic regression cases
  • Data tables identify their source and year when they reproduce an external dataset
  • We distinguish between "this is the math" and "this is our opinion"
  • We review reported errors and correct verified issues as appropriate, with a correction note when useful
  • We do not accept payment to change calculator outputs or article conclusions

What We Are Not

Klyrify is not a registered investment advisor, financial planner, broker-dealer, or tax professional. Nothing on this site constitutes personalized financial advice. Our calculators are educational tools — they show you the math of financial independence; what you do with that information is your decision. See our Disclaimer for more on what our calculators do and do not do.

We strongly recommend consulting a qualified, fee-only fiduciary financial advisor in your own country for personalized guidance, particularly for complex situations involving taxes, estate planning, or large financial decisions — for example, the NAPFA directory in the United States.

Privacy and Advertising

Klyrify does not require an account or sell visitor data. Limited self-hosted aggregate metrics operate separately from optional Google Analytics. Google Analytics is disabled by default and its script is not downloaded unless you explicitly accept. Neither system receives calculator inputs or result values as analytics fields. See our Privacy Policy for the exact behavior and preference controls.

Contact and Corrections

Questions, corrections, or feedback: [email protected]. See our Contact page for more ways to reach us, and our Methodology page for what to include in a correction report.

We take accuracy seriously. If you find an error in a calculator formula, a factual mistake in an article, or a broken feature, please email us.

Klyrify is an independent site with no institutional affiliation. Last reviewed: July 2026.

Source: https://klyrify.com/about